FI20116222A - Järjestelmä rahansiirtoa varten - Google Patents

Järjestelmä rahansiirtoa varten Download PDF

Info

Publication number
FI20116222A
FI20116222A FI20116222A FI20116222A FI20116222A FI 20116222 A FI20116222 A FI 20116222A FI 20116222 A FI20116222 A FI 20116222A FI 20116222 A FI20116222 A FI 20116222A FI 20116222 A FI20116222 A FI 20116222A
Authority
FI
Finland
Prior art keywords
user
money
payment
bank
server
Prior art date
Application number
FI20116222A
Other languages
English (en)
Swedish (sv)
Inventor
Simo Salminen
Tuomo Kajava
Hannu Matilainen
Original Assignee
Onsun Oy
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Onsun Oy filed Critical Onsun Oy
Priority to FI20116222A priority Critical patent/FI20116222A/fi
Priority to EP12852479.0A priority patent/EP2786327A4/en
Priority to PCT/FI2012/051177 priority patent/WO2013079793A1/en
Publication of FI20116222A publication Critical patent/FI20116222A/fi

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
FI20116222A 2011-12-02 2011-12-02 Järjestelmä rahansiirtoa varten FI20116222A (fi)

Priority Applications (3)

Application Number Priority Date Filing Date Title
FI20116222A FI20116222A (fi) 2011-12-02 2011-12-02 Järjestelmä rahansiirtoa varten
EP12852479.0A EP2786327A4 (en) 2011-12-02 2012-11-29 ELECTRONIC PAYMENT SYSTEM
PCT/FI2012/051177 WO2013079793A1 (en) 2011-12-02 2012-11-29 Electronic payment system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FI20116222A FI20116222A (fi) 2011-12-02 2011-12-02 Järjestelmä rahansiirtoa varten

Publications (1)

Publication Number Publication Date
FI20116222A true FI20116222A (fi) 2013-06-03

Family

ID=48534732

Family Applications (1)

Application Number Title Priority Date Filing Date
FI20116222A FI20116222A (fi) 2011-12-02 2011-12-02 Järjestelmä rahansiirtoa varten

Country Status (3)

Country Link
EP (1) EP2786327A4 (fi)
FI (1) FI20116222A (fi)
WO (1) WO2013079793A1 (fi)

Families Citing this family (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11748736B1 (en) 2014-04-30 2023-09-05 Wells Fargo Bank, N.A. Mobile wallet integration within mobile banking
US10997592B1 (en) 2014-04-30 2021-05-04 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US11574300B1 (en) 2014-04-30 2023-02-07 Wells Fargo Bank, N.A. Mobile wallet systems and methods using trace identifier using card networks
US9652770B1 (en) 2014-04-30 2017-05-16 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11461766B1 (en) 2014-04-30 2022-10-04 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11288660B1 (en) 2014-04-30 2022-03-29 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US11663599B1 (en) 2014-04-30 2023-05-30 Wells Fargo Bank, N.A. Mobile wallet authentication systems and methods
US11610197B1 (en) 2014-04-30 2023-03-21 Wells Fargo Bank, N.A. Mobile wallet rewards redemption systems and methods
US10445739B1 (en) 2014-08-14 2019-10-15 Wells Fargo Bank, N.A. Use limitations for secondary users of financial accounts
US11853919B1 (en) 2015-03-04 2023-12-26 Wells Fargo Bank, N.A. Systems and methods for peer-to-peer funds requests
US11468414B1 (en) 2016-10-03 2022-10-11 Wells Fargo Bank, N.A. Systems and methods for establishing a pull payment relationship
US11295297B1 (en) 2018-02-26 2022-04-05 Wells Fargo Bank, N.A. Systems and methods for pushing usable objects and third-party provisioning to a mobile wallet
US11074577B1 (en) 2018-05-10 2021-07-27 Wells Fargo Bank, N.A. Systems and methods for making person-to-person payments via mobile client application
US11775955B1 (en) 2018-05-10 2023-10-03 Wells Fargo Bank, N.A. Systems and methods for making person-to-person payments via mobile client application
US11551190B1 (en) 2019-06-03 2023-01-10 Wells Fargo Bank, N.A. Instant network cash transfer at point of sale

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070005498A1 (en) * 2000-11-06 2007-01-04 Cataline Glen R System and method for optimized funding of electronic transactions
KR100930457B1 (ko) * 2004-08-25 2009-12-08 에스케이 텔레콤주식회사 이동통신단말을 이용한 인증 및 결제 시스템과 방법
US8160959B2 (en) * 2006-07-06 2012-04-17 Firethorn Mobile, Inc. Methods and systems for payment transactions in a mobile environment
GB0804803D0 (en) * 2008-03-14 2008-04-16 British Telecomm Mobile payments
US8606706B2 (en) * 2009-02-13 2013-12-10 Bank Of America Corporation Systems, methods and computer program products for standardization of payment requests to facilitate comprehensive payment hub processing

Also Published As

Publication number Publication date
EP2786327A4 (en) 2015-08-05
WO2013079793A1 (en) 2013-06-06
EP2786327A1 (en) 2014-10-08

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Legal Events

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